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The first thing most lenders look at when you want to buy a home is your credit history. Most people have traditional lines of credit such as credit cards, auto loans or a current mortgage that form聽a track record of how they manage debt. But if you don鈥檛 have credit card debt or take out loans, your credit history might be harder to establish. That could make it tough to find a lender who will work with you.

But don鈥檛 give up, it鈥檚 not impossible. If you鈥檝e been renting a home, paying utilities, watching cable TV or talking on a cell phone for more than six months 鈥� and making those payments on time 鈥� that history can be used to build your credit score. The only catch is that your landlord or service provider has to report payments to one of the three main credit reporting agencies.

Evaluating nontraditional credit history

Even if you don鈥檛 have a typical credit history, your payment history is out there; it鈥檚 just a little harder to locate, making it more difficult for a computer to generate a credit score.

For example, Experian, one of the three major credit-reporting agencies, accepts information from third-party processors as proof of credit history, but it鈥檚 up to your landlord to opt in to the system, says Rod Griffin, Experian鈥檚聽director of public education.

Although some larger multifamily apartment complexes are already reporting this information automatically, private landlords of single units or a handful of properties might not realize they can do their tenants this service, Griffin adds. There鈥檚 a nominal monthly fee for landlords to collect and report their tenants鈥� payments online via third-party processors such as PayYourRent, ClearNow and RentTrack.

Don鈥檛 forget that student loans get factored into your credit score, Griffin says. Making timely payments for at least six months or more will help build a positive credit score. Utility payments and cell phone bills are also considered, but fewer聽of those companies are jumping on the reporting bandwagon because of privacy laws in some states.

These type of payments establish a track record that FICO and VantageScore have included in their credit scoring formulas, Griffin says. The idea聽that you need credit cards or other personal loans to qualify for a home loan simply isn鈥檛 true anymore, he says.

鈥淧aying your rent and utility bills on time shows responsibility and tells a story of how well you鈥檙e managing those payments 鈥� and how well you might manage other debts,鈥� Griffin says. On the flip side, late rent or lease payments聽and聽negative civil judgments can also be reported and will work against you, he cautions.

Consider a government loan

One way to buy a home if you don鈥檛 have a traditional credit history is to consider a loan backed by聽the Federal Housing Administration. Guidelines聽from the U.S. Department of Housing and Urban Development for address how nontraditional credit histories can be used to qualify for a mortgage. Successful applicants must be able to show at least one year of:

• No delinquency on rental payments.
• No more than one 30-day delinquency to other creditors, such as utility or car insurance payments.
• No collection accounts other than medical-related incidents.

Also, your debts聽(including your proposed mortgage payment)聽must not聽total more than 43% of your total income, and you must have at least one month鈥檚 worth of cash reserves left after聽settlement of the mortgage costs and down payment.

However, just because you qualify for an FHA loan doesn鈥檛 mean 聽will open their聽mortgage doors to you. Many financial institutions don鈥檛 want the hassle of manually collecting a paper trail 鈥� called a 鈥渕anual underwrite鈥� mortgage loan 鈥� to help you get financed. It鈥檚 easier for them to work with people who have an established credit history and FICO or VantageScore.

Turn to smaller lenders

Luckily, plenty of lenders out there are more flexible about working with people who have nontraditional credit histories. Independent mortgage brokers, some online lenders and smaller banks might give you the one-on-one attention you need to qualify for a loan if you鈥檙e using rental or utility payments as proof聽of creditworthiness.

Credit unions are another option. They can provide you with personal service and more flexible pre-qualification criteria. In 2015, credit unions originated more than 8% of U.S. mortgages, nearly double the amount in 2010, according to the CUNA Mutual Group.

Next steps

If you can show an on-time payment history, have little debt and have saved enough to cover mortgage costs with some financial wiggle room, you can qualify for a mortgage despite having a credit history that doesn鈥檛 walk the conventional line. Speak to a few lenders to find out what options might be available to you.

Now is the perfect time to set yourself up for future success to qualify for a home loan. If you鈥檙e currently renting, ask your landlord and service providers to report your payments to a processor that works with the credit reporting agencies. Keep up timely payments and you鈥檒l have a solid credit score when the time is right to buy a home.

Deborah Kearns is a staff writer at NerdWallet, a personal finance website. Email: dkearns@nerdwallet.com. Twitter: . This article first appeared in . This article first appeared in .